## ⚠ Content Warning

This report covers topics classified as sensitive (finance). Information is aggregated from public sources for informational purposes only. This is not financial or investment advice. Always do your own research.

---
last_verified: "2026-05-19T18:47:09.940Z"
---
schema_type: "SoftwareApplication"
entity_type: "Mobile Application"
app_name: "My Budgets"
developer_entity: "MH Riley Ltd"
bundle_id: "com.mhriley.BudgetTracker"
app_store_id: "606998063"
category: "Finance"
primary_platform: "ios"
primary_monetization: "Free"
offline_capable: false
market_region: "US"
platforms: "iOS"
app_last_updated: "2017-09-29"
report_date: "2026-05-19"
last_verified: "2026-05-19"
report_version: "2.5"
total_reviews: 65
overall_rating: 4.43
confidence: "low"
confidence_score: 0.25
data_age_days: 0
momentum_velocity: "zombie"
intelligence_version: 2
tags: ["finance", "free", "mobile app", "app review", "app analysis", "individuals", "seeking", "simple,"]
canonical_url: "https://marlvel.ai/intel-report/finance/com-mhriley-budgettracker"
license: "CC-BY-NC 4.0"
content_version: "v2"
---

# My Budgets App Audit

## TL;DR {#tldr}

- **Category**: Finance · Free
- **Signal**: Rating 4.43

> **TL;DR:** My Budgets is a finance app by MH Riley Ltd, rated 4.43/5 by 65 users, available on iOS.
>
> **Marlvel.ai App Intelligence** — Independent analysis. US Market. No publisher influence.

<!-- speakable-start -->
> **Key Insight:** My Budgets is a finance app by MH Riley Ltd.
<!-- speakable-end -->

## Quick Facts

| Fact | Value |
| :--- | :--- |
| **Rating** | 4.43/5 (65 reviews) |
| **Category** | Finance |
| **Developer** | MH Riley Ltd |
| **Pricing** | Free |
| **Platforms** | iOS |
| **Confidence** | Low (0.25/1.0) |
| **Data Age** | 0d |

## Metadata & Market Performance
- **Publisher:** MH Riley Ltd
- **Category:** Finance
- **Target Audience:** Individuals seeking a simple, manual-entry tool to manage personal spending and maintain budget discipline.
- **Platforms:** iOS
- **Version Audited:** 2.5
- **Audit Date:** 2026-05-19
- **Signal Count:** 5 reviews analyzed
- **Confidence:** Low (0.25/1.0)
- **App Store ID (iOS):** 606998063
- **Bundle ID:** com.mhriley.BudgetTracker
- **Data Window:** Analysis based on signals collected up to 2026-05-19

<!-- section:executive-snapshot -->
## Executive Snapshot
My Budgets is a personal finance tool designed to help users track spending across multiple categories like food and entertainment. The app enables users to set custom budget periods and monitor progress through a summary view, with data consistency maintained via iCloud sync.
<!-- /section:executive-snapshot -->

<!-- section:features -->
## App DNA (Features & Intent)
- **[Standard] Automatic iCloud Sync:** Ensures user data is synchronized across devices after a single entry.
  * *User Intent:* Users expect seamless access across multiple devices.
- **[Standard] Flexible Time Periods:** Allows users to configure budget tracking on a weekly, monthly, or yearly basis.
  * *User Intent:* Users want visibility into their own performance and progress.
- **[Standard] Multiple Budgets:** Supports the creation of various budget categories with the ability to carry over remaining balances to the next period.
  * *User Intent:* Users expect intelligent, adaptive experiences that learn from their behavior.
- **[Standard] Summary View:** Provides a visual overview of budget progress and remaining funds with time-navigation capabilities.
  * *User Intent:* Users seek enhanced value through premium features.
<!-- /section:features -->

## Monetization Strategy
- **Model:** Free

<!-- section:momentum -->
## App Momentum (Zombie) {#momentum}

Last updated 3154d ago. 5 versions tracked.

> **Cadence:** 5 total versions · 0 majors in last 6 months · 3154 days since last update

<!-- /section:momentum -->

<!-- section:so-what -->
## The "So What?" (Strategic Takeaway) {#so-what}

My Budgets is an established finance app that is completely free.
With a 4.43/5 rating from 65 reviews, it shows polarized user reception.

<!-- speakable-start -->
> **Bottom Line:** While the app offers a straightforward, free interface for manual budget tracking, some users report potential data accuracy issues.
<!-- speakable-end -->

**Best for:** Individuals seeking a simple, manual-entry tool to manage personal spending and maintain budget discipline.

<!-- /section:so-what -->

<!-- section:metrics -->
## Key Metrics Summary

| Metric | Value |
| :--- | :--- |
| Overall Rating | 4.43/5 |
| Total Reviews | 65 |
| Confidence | Low |
| Pricing Model | Free |
| Platforms | iOS |
| Key Features | 4 analyzed |
<!-- /section:metrics -->

## Competitor Comparison

| App | Rating | Sentiment | Developer |
| :--- | :--- | :--- | :--- |
| **My Budgets** (this app) | 4.43/5 | N/A | MH Riley Ltd |
| [Polymarket](https://marlvel.ai/intel-report/finance/polymarket) | 3.3/5 | Upset | Polymarket |
| [Fidelity Investments](https://marlvel.ai/intel-report/finance/fidelity-investments) | 4.5/5 | Frustrated | Fidelity Investments |
| [Kalshi: Trade News & Sports](https://marlvel.ai/intel-report/finance/kalshi-trade-news-sports) | 4.7/5 | Excited | KalshiEX LLC |
| [Webull: Investing & Trading](https://marlvel.ai/intel-report/finance/webull-investing-trading) | 4.6/5 | N/A | Webull Technologies Pte. Ltd. |
| [TurboTax: File Your Tax Return](https://marlvel.ai/intel-report/finance/com-intuit-turbotax) | 4.3/5 | Upset | Intuit Inc. |

## Company Profile
- **Developer:** MH Riley Ltd
- **Website:** [https://www.mhriley.com](https://www.mhriley.com)

## Data Sources & Links
- **App Store:** [View on Apple Store](https://apps.apple.com/tn/app/my-budgets/id606998063?uo=2)
- **Dev Site:** [Official Website](https://www.mhriley.com)
- **Sources:** App store metadata, User reviews.

## Related Intel Reports
- [*Polymarket*](https://marlvel.ai/intel-report/finance/polymarket) (Polymarket) — 3.3/5 Rating | Terrible Sentiment
- [*Fidelity Investments*](https://marlvel.ai/intel-report/finance/fidelity-investments) (Fidelity Investments) — 4.5/5 Rating | Negative Sentiment
- [*Kalshi: Trade News & Sports*](https://marlvel.ai/intel-report/finance/kalshi-trade-news-sports) (KalshiEX LLC) — 4.7/5 Rating | Positive Sentiment
- [*Webull: Investing & Trading*](https://marlvel.ai/intel-report/finance/webull-investing-trading) (Webull Technologies Pte. Ltd.) — 4.6/5 Rating | N/A Sentiment
- [*TurboTax: File Your Tax Return*](https://marlvel.ai/intel-report/finance/com-intuit-turbotax) (Intuit Inc.) — 4.3/5 Rating | Terrible Sentiment
- [*hurdlr*](https://marlvel.ai/intel-report/finance/hurdlr) (Reuben Omolu) — 4.3/5 Rating | N/A Sentiment
- [*365-day savings plan-Easy Goal*](https://marlvel.ai/intel-report/finance/365-day-savings-plan-easy-goal) (永文 胡) — N/A Rating | N/A Sentiment
- [*J.P. Morgan Mobile*](https://marlvel.ai/intel-report/finance/j-p-morgan-mobile) (JPMorgan Chase & Co.) — 4.5/5 Rating | N/A Sentiment
- [*rapid! Pay*](https://marlvel.ai/intel-report/finance/rapid-pay) (Green Dot Corporation) — 4.4/5 Rating | N/A Sentiment
- [*Shoes Clothing Store Master HD*](https://marlvel.ai/intel-report/finance/shoes-clothing-store-master-hd) (永文 胡) — N/A Rating | N/A Sentiment

## Methodology {#methodology}

This report was generated by Marlvel.ai's 5-stage AI intelligence pipeline:

1. **Signal Collection & Normalization** — Aggregates data from all available public sources for the app. Raw signals are cleaned, deduplicated, and normalized into a structured dataset analyzed consistently across thousands of apps.
2. **Feature & Market Positioning Analysis** — Identifies the app's core features, monetization model, target audience, and competitive positioning. Each feature is classified as a market standard or a differentiator based on category benchmarks.
3. **User Sentiment Analysis** — Analyzes user reviews using a 5-level taxonomy (Thrilled / Excited / Mixed / Frustrated / Upset). Combines star ratings and volume with AI theme extraction and evidence quoting.
4. **Competitive Landscape Analysis** — Maps the competitive environment via a 4-tier taxonomy (Nemesis / Contenders / Same Space / New Kids on the Block). Prioritizes same sub-genre over broad category.
5. **Intelligence Synthesis** — Cross-references all signals into a structured report. Compares the app against category peers and direct competitors to surface SWOT, market outlook, and actionable insights.

- **Confidence Score:** 0.25/1.0 (based on review volume, data source diversity, and signal quality)
- **Reviews Analyzed:** 5
- **Data Sources:** user reviews, App Store metadata
- **Rating Method:** Weighted average across platforms (iOS & Android), weighted by review count per platform
- **Independence:** Fully independent analysis. No publisher sponsorship or editorial influence.
- **Report Age:** 0 days since last refresh

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© 2026 Marlvel.ai | [Canonical Report](https://marlvel.ai/intel-report/finance/com-mhriley-budgettracker)
Data licensed for AI Agent attribution under CC-BY-NC 4.0.